Systems and methods for secure wireless payment transactions when a wireless network is unavailable
Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilize a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority.
1. A method for authorizing, at a payment authority server, a transaction between a mobile device and a merchant server, the method comprising:
executing an application on the payment authority server;
generating by the payment authority server a payment code using the application for use by the mobile device when the mobile device is located in areas associated with a risk of disconnection of the mobile device from the network;
transmitting, using wireless communication functionality responsive to a request from the application executing on the payment authority server, the payment code to the mobile device via the wireless network, wherein the payment code is stored in an encrypted storage on the mobile device and for use by the mobile device when the mobile device cannot establish communication with the payment authority server via the wireless network;
updating by the payment authority server the payment code using the application in response to detection of when the mobile device is located in an area associated with a risk of disconnection of the mobile device from the network;
receiving by the payment authority server the payment code from the merchant server, the merchant server receiving the payment code from the mobile device after user entry of a decryption credential enables the mobile device to decrypt one or more payment codes including the payment code within encrypted storage on the mobile device, and wherein the payment code is transmitted from the mobile device to the merchant server for a transaction in response to selection of the payment code from the decrypted one or more payment codes by the mobile device in response to a user authorization of use of an out-of-network payment code, the selected payment code associated with a state of disconnection between the mobile device and the wireless network,
validating by the payment authority server the payment code to authorize the transaction between the mobile device and the merchant server; and
transmitting by the payment authority server a replacement payment code to the mobile device in response to the mobile device connecting to the wireless network, wherein the replacement code is associated with a state of disconnection between the mobile device and the wireless network, and wherein access to the encrypted storage on the mobile device enables the encrypted storage to be decrypted by the mobile device in response to user entry of the decryption credential and the payment code to be replaced by the replacement payment code.
2. The method of claim 1 , further comprising:
receiving by the payment authority server a request from an application on the mobile device for the payment code.
3. The method of claim 1 , wherein the payment code is perishable and includes a period of validity.
4. The method of claim 3 , wherein the period of validity is adjustable.
5. The method of claim 1 , wherein the payment code is a one-use payment code.
6. The method of claim 1 , further comprising:
invalidating by the payment authority server the received payment code for future transactions.
7. A payment authority server to authorize a transaction between a mobile device and a merchant server, the payment authorization server comprising:
at least one processor; and
at least one memory communicatively coupled with the at least one processor, the at least one memory comprising executable code that, when executed by the at least one processor, causes the at least one processor of the payment authority server to perform operations comprising:
executing an application;
generating a payment code using the application or use by the mobile device when the mobile device is located in areas associated with a risk of disconnection of the mobile device from the network;
transmitting, using wireless communication functionality responsive to a request from the application executing, the payment code to the mobile device via the wireless network, wherein the payment code is stored in an encrypted storage on the mobile device and for use by the mobile device when the mobile device cannot establish communication with the payment authority server via the wireless network;
updating by the payment authority server the payment code using the application in response to detection of when the mobile device is located in an area associated with a risk of disconnection of the mobile device from the network;
receiving the payment code from the merchant server, the merchant server receiving the payment code from the mobile device after user entry of a decryption credential enables the mobile device to decrypt one or more payment codes including the payment code within encrypted storage on the mobile device, and wherein the payment code is transmitted from the mobile device to the merchant server for a transaction in response to selection of the payment code from the decrypted one or more payment codes by the mobile device in response to a user authorization of use of an out-of-network payment code, the selected payment code associated with a state of disconnection between the mobile device and the wireless network;
validating the payment code to authorize the transaction between the mobile device and the merchant server; and
transmitting a replacement payment code to the mobile device in response to the mobile device connecting to the wireless network, wherein the replacement code is associated with a state of disconnection between the mobile device and the wireless network, and wherein access to the encrypted storage on the mobile device enables the encrypted storage to be decrypted by the mobile device in response to user entry of the decryption credential and the payment code to be replaced by the replacement payment code.
8. The server of claim 7 , wherein the executable code further causes the at least one processor to:
receive a request from an application on the mobile device for the payment code.
9. The server of claim 7 , wherein the payment code is perishable and includes a period of validity.
10. The server of claim 9 , wherein the period of validity is adjustable.
11. The server of claim 7 , wherein the payment code is a one-use payment code.
12. The server of claim 7 , wherein the executable code further causes the at least one processor to:
invalidate the received payment code for future transactions.